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You bought the right house in the right neighborhood and held on. Now it’s worth over $2 million. But you’re still budgeting like it’s 1999.
There’s nothing wrong with being cautious. But sitting on that much equity while worrying about cash flow isn’t just conservative, it’s inefficient.
Your home is a financial asset, not just a place to live. And in 2025, there are smarter ways to use it.
The Liquidity Trap for Wealthy Homeowners
Owning a high-value home doesn’t always mean you’re flush with cash. In fact, many retirees and pre-retirees are:
- House rich, cash poor
- Living on fixed incomes
- Paying large property taxes or legacy mortgage payments
It doesn’t make sense to struggle financially when your house could be working for you.
Enter the Jumbo Reverse Mortgage
For homes above FHA’s limit ($1,149,825), jumbo reverse mortgages offer a powerful solution:
- Tap up to $6 million in equity
- No monthly mortgage payments
- Keep your home, keep control
Use the funds to:
- Eliminate your existing mortgage
- Cover medical or long-term care
- Create a buffer for market downturns
- Support family or charitable giving
No, You Don’t Have to Sell or Move
Jumbo reverse mortgages let you stay in your home. There’s no downsizing required, no apartment hunting, no leaving your community. You can age in place comfortably.
And with no mortgage insurance required, you avoid the extra fees that come with traditional HECM loans.
Final Thought
If your home’s value has climbed past $2 million, don’t let that equity sit idle.
Talk to a specialist at Equity Access Group and see what your house can do for your future.
